Essential Property Owners

Specialist Insurance from an 'A' rated insurer

Who is Essential Property owners (EPO) for?

EPO is designed for professional property owners or managing agents with commercial and/or residential UK portfolios.

  • Typical minimum premium of £5,000 with a focus on larger risks
  • Large single risk or multiple property portfolios
  • Target trades include offices, retail, industrial, warehouses and blocks of flats
  • Property owners with an appreciation and track record of effective risk management

Key selling points

  • Adaptable policy wording - core standard cover with a range of optional sections
  • Flexible underwriting - tailored solutions made to match specific needs of clients
  • Specialist risk management advice - industry specific property owners survey
  • Dedicated property claim teams - specialist knowledge and first-class service
  • One quote to market approach - bid confidently for new business
  • 'A' rated financial strength* - trade with confidence and provide your clients and their financiers with the security they require

A commitment to service excellence

  • Expertise - experienced local underwriting teams supported by a specialist London Property Owners Unit
  • Appetite - clear risk appetite and committed to working flexibly with partners
  • Access to decision makers - direct access to underwriters empowered to trade
  • Growth - focus on supporting partners to win and retain business
  • Commission - flexible approach to commission structures
  • In-House Survey Team - including risk management support function
  • Individual tenants certificates - available on request

Policy Sections

Our broad policy wording combines core standard cover with a range of bolt-on optional additions to provide flexible cover, tailor made for your client.

    Standard Cover Optional Cover
Asset Protection Buildings X  
  Engineering Breakdown X  
  Terrorism   X
Revenue Protection Rent X  
  Advance Rent Cover   X
  Financial Loss   X
Liability Protection Property Owners Liability X  
  Legal Expenses Cover   X
  Employers' Liability   X

Speak to your NIG Business Development Manager today about risks that may suit Essential Property Owners.

*UK Insurance Ltd (UKI) underwrites NIG's policies and UKI Insurer Financial Strength Ratings are: 'A' S&P, 'A2' Moody's.